Any money saving tips?

Well I rent right now, want to buy at some point I have heard about some new houses being built that are meant to be low cost so I'm hoping for that...

I don't pay for the gym, I don't smoke and don't drink alot.

I know my gap insurance will paid before the end of year, I can change my cell contract to make it cheaper, I shower any way never enough time for baths.

So with those payed off it will make things cheaper.

Track bike works out better as its a race spec, also my road bike isn't insured if I bin it on the track, I really need my road bike.


Yup need to sit down and work out what I have left after bills....Though I'm hoping to keep going on the over time as that bumps up my pay. I'm just thinking how I can save money, that is all.

Unless you're in rags, do you really need new clothes? - no. So don't buy them.

Packed lunch saves a fortune.

So do BOGOF offers. But write out a list before you go shopping and stick to it. Things are only a bargain if you were going to buy them in the first place.

If you're going to put ? in an ISA, do it before 5 April, then you can put another lot in on 6 April.

If you have a water meter don't flush the loo after a pee, it doesn't smell (much)

Spend weekend afternoons in the public library to save on heating costs

Originally Posted by Ed

If you have a water meter don't flush the loo after a pee, it doesn't smell (much)

Or pee in the sink ... use your mouthful of 'rinse' water after brushing your teeth to wash it down!!

I ought to point out, I am not on a meter so don't NEED to practice this myself, but it is a genius idea ... it also saves on slipper/shoe sole too!!!

I'm gonna play Devils Advocate here and tell you to go and spend and enjoy it. Life's too short to scrimp and save and you can't take it with you.

If you die in debt, you've made a profit!

No can some lend me a fiver as the CSA are after me

Originally Posted by Ed

.

So do BOGOF offers. But write out a list before you go shopping and stick to it. Things are only a bargain if you were going to buy them in the first place.

+1
Planning what meals you are going to have and only buying the food you need saves loads. Write a shopping list and stick to it and don't go to the supermarket when you are hungry.

[JediGoat]

Originally Posted by DanDare

If you die in debt, you've made a profit!

[Luckypants]

Originally Posted by sarah

and don't go to the supermarket when you are hungry.

That is a top tip, always spend double if I'm hungry.

Cashback credit cards are free money. You put everything on there, pay it off in full each month - or as the month goes on if you prefer - and at the end of the year you get a wadge of free cash.

Supermarket loyalty card schemes are good too. We have a clubcard and used the vouchers we earnt last year to pay for our ferry crossing for this year - the vouchers are worth more on items like that than taking it off your shopping. We also invested in an Asda credit card as then we get free delivery on their internet shopping.

Well I'll into the cash back card thing, though I need to rid of some cards as well, or I will have too many!

Well I worked out if, I do a few days/over time, well its not much but it will bump the pay up.

Yup I have tesco card nearest stores to me, so I use that! Though I don't get many points as I try to keep the food bill, low but I may as well buy everything I need there!

Just trying to think off ways off saving thats all, and what you lot have done to save cash!

Well actually I'm worth far more 6ft under as well, but use is that to me?

Why don't you sell that nice pointy and get an old CG125/CB250N sh1tter or something? at 100mpg and not enough power to wear out consumables, it will cost nothing to run, insurance will be 50p (especially as you'd only need TPO).

You than pocket the remaining value of the SV into your kitty